First, there was this: The fun saga of the lying optometrist and me getting more contact lenses. He lied and said my old type of lenses weren’t available; he tried to force me to order them through him; he refused to write a prescription for more than a year; he possibly committed insurance fraud; he was generally unpleasant. I finally got my prescription from him and ordered my lenses online, as I always did, for $40 less per box than he quoted me. Because my eyes are screwed up, the lenses are still expensive. I filed an insurance claim.
Which was just rejected.
Because the optometrist ordered lenses for me. After I explicitly told them not to.
And why did they do that? My father - who’s insurance it is - called them to ask.
Because the null-brained insurance company has some idiotic sweetheart deal with their optometrists. If the optometrist says your corrective lenses are “medically necessary”, insurance will cover lenses and exams in full - but only if the optometrist orders the lenses. I can’t buy my own ‘medically necessary’ lenses from my preferred retailer if I want insurance to cover any of the cost. Now, try with me to follow this “logic” here: If the doctor didn’t order the lenses himself, then I would have to pay both for the lenses in full, and the doctor’s visit in full.
Why? Oh, I don’t know. Possibly so that patients get accustomed to having their lenses ordered for them at an obscene markup, and consequently never think of going anyplace but the overpriced, couldn’t even cut it as an ophthalmologist and probably got their degree from some 3rd-world correspondence course optometrist jackass?
Or maybe it’s just because why the hell would an insurance company want to give someone - who ostensibly needs corrective lenses - any choice? You need this so you’ll just bend over and take it however the hell we serve it out, you peon!
Is there anything whatsoever in the 20-some-page PDF file of benefit details explaining this? No. Is there anything, anywhere on the insurance website saying this? No. Is there, as far as I’m aware, anything in writing, anywhere, warning the consumer about this? Nope.
So now I’m out $120 bucks. Oh, and did the optometrist’s office ever call me to say “Hey we ordered you lenses any way and now they’re here?” No. Were they reasonable when I called and asked if they could possibly pop them in the mail to me, rather than me finding time between classes and work to ride my bike across town to pick them up? Hah, that’s a nice thought, isn’t it?
Now excuse me, I’m off to contemplate finding the insurance company’s headquarters, and also the relative merits of arson.